When Karyn Howard’s father passed away in 2008, she was convinced that it would be one of the hardest things she’d ever have to deal with. Little did she know that a call from Bank of America a few days later was about to make the ordeal much, much worse.

The systematic process of harassing people for debts they don't owe is something the banking industry is becoming known for. It keeps happening because collection departments are able to intimidate people into paying debts of deceased loved ones -- despite the fact that by law, they don't have to pay.